8 Dow Credit Union Jobs Hiring Near You

Do you have a passion for making sound lending decisions while helping members achieve their homeownership goals? Dow Credit Union is seeking an experienced Mortgage Underwriter to join our Mortgage team. In this role, you'll evaluate mortgage and home equity loan applications, analyze risk, and make informed underwriting decisions that support both member success and the financial strength of the credit union.As a key contributor to the lending process, you will review complex financial and property information, ensure compliance with investor and regulatory requirements, and help deliver an exceptional member experience from application to closing.This position earns a competitive minimum starting pay of $33.00 an hour. We provide terrific benefits, including quarterly and annual incentives, medical, dental, vision, a 401(k) plan, paid holidays, and paid time off (PTO). If this sounds like the right opportunity for you, apply today!DOW CREDIT UNION: OUR MISSIONIn 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit. Two Dow employees heard about the credit union movement, and the rest is history. Today, we serve more than 84,000 members across all 50 states and in over 40 countries and have over $2.5 billion in assets. Our goal has always been to serve our members to the best of our abilities and provide them with the best value for their money. Every day, we continually strive to improve our level of service by keeping our focus on our members.In order to do this, we have to hire and retain loyal, team-oriented employees who have genuine care and concern for our members and conduct themselves with integrity and professionalism. That's why we offer competitive pay, excellent benefits, and a positive work culture. We truly respect each other and actively encourage diversity, equity, and inclusion (DEI). We are an equal-opportunity employer.What You'll DoUnderwrite mortgage and home equity loans in accordance with Dow Credit Union policies, investor guidelines, and regulatory requirements.Evaluate creditworthiness using income, assets, employment history, debt-to-income ratios, loan-to-value ratios, credit reports, and supporting documentation.Approve or deny loan applications within delegated lending authority.Review real estate appraisals and valuation reports to ensure accuracy, marketability, and compliance.Process Reconsideration of Value (ROV) requests and communicate with Appraisal Management Companies (AMCs) regarding revisions or clarifications.Analyze title commitments to ensure acceptable risk and proper lien positioning.Submit loans through Automated Underwriting Systems (AUS) and mortgage insurance providers.Manage underwriting pipelines to ensure timely decisions and service-level expectations are met.Clear underwriting conditions and prepare loans for final approval and closing.Perform prefunding quality control reviews to identify risk and ensure compliance.Partner with processors, loan originators, title companies, appraisers, settlement agents, and other stakeholders to facilitate a smooth loan process.Stay current on mortgage regulations, investor requirements, and industry best practices. What We're Looking ForThree to five years of mortgage underwriting or related mortgage lending experience.Strong knowledge of mortgage and home equity lending practices, regulations, and underwriting guidelines.Exceptional analytical skills with strong attention to detail and accuracy.Ability to interpret and evaluate complex financial documentation.Effective organizational and time-management skills with the ability to prioritize multiple deadlines.Strong problem-solving and decision-making abilities.Excellent verbal and written communication skills.Ability to work independently while contributing positively within a team environment.Proficiency with mortgage lending technology and standard business software applicationsEducation & LicensingHigh school diploma plus additional post-secondary education or equivalent experience required.Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) required in accordance with the SAFE Act.Must maintain compliance with annual SAFE Act renewal requirementsWhy Dow Credit Union?At Dow Credit Union, we believe in building financial relationships that improve lives. Our team members enjoy a collaborative culture, opportunities for professional growth, and the ability to make a meaningful impact in the communities we serve. If you're looking for a workplace where your expertise is valued and your contributions make a difference, we'd love to hear from you.Apply today and help our members make homeownership possible. 
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